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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,578 | $39,798+135.1% | $67,704+38.2% | $59,633+56.9% |
| Participation rate | 30.0% | 57.4%-27.4pp | 67.5%-37.5pp | 68.7%-38.7pp |
| Annual return | -3.13% | 89.94%-93.1pp | 25.41%-28.5pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $729 | $1,393-47.7% | $2,559-71.5% | $2,203-66.9% |
| Participant deferral / active EE | $2,536 | $2,335+8.6% | $3,585-29.3% | $3,192-20.5% |
| Admin fee / account holder | $4,339 | $3,212+35.1% | $4,255+2.0% | $4,297+1.0% |